An acquirer is a financial institution that processes payments from certain credit and debit cards. The acquirer is responsible for the financial part of transaction processing and Ingenico ePayments is responsible for the technical part. In other words, without an acquirer you won't get paid.

For every online payment method you want to add, you need an acceptance contract with an acquirer. If you'd like advice on which acquirer would be best suited for you and your region, please contact our Sales team at sales.ecom@ingenico.com. If you know which acquirer you want to work with, you can simply select them from the drop down list when adding a payment method in your account.

But why not let us take care of it for you? Ingenico Full Service allows you to activate many local payment methods, all at once and in several different countries – with one single contract. If you trade internationally, it could be the ideal way to accept payments from all across Europe. It saves you time-consuming administration and because you can offer more payment methods, it can also increase your revenues.

Even though you are registered at the same acquirer for MasterCard and VISA, only one of the payment methods is "Active". Most likely this is because certain requirements specific to the payment method aren't yet fulfilled. E.g. the 3-D Secure affiliation for MasterCard is a separate process from the affiliation for VISA.

3-D Secure is an online transaction authentication method, which you can best compare with entering a PIN-code or writing a signature for a transaction on a physical terminal (e.g. in a shop or a restaurant).

3-D Secure allows you, as a merchant selling online, to demand your customer to identify himself as the rightful owner of his (credit) card. Ultimately, the goal is to reduce fraud cases.

There are several forms of 3-D Secure authentication. Depending on the customer's bank and originating country, this can be in the form of using a card reader or digipass, entering a PIN-code, or even entering a piece of data that only the cardholder can know.

For more information about 3-D Secure (Fraud detection documentation), go to the Back-Office under the support tab.

Ingenico ePayments is the online and mobile commerce division of Ingenico Group. We connect merchants and consumers, enabling businesses everywhere to go further beyond today’s boundaries and creating the future of global commerce. As industry leaders since 1994, our innovative spirit drives us forward across all channels. We are the trusted partner of over 65,000 small and large merchants who rely on us to make payments easy and secure for their customers. With advanced data analytics, fraud management solutions and cross-border commerce expertise, we help merchants optimize their business and grow into new markets around the world.

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